Our website uses cookies to improve your user experience. If you continue browsing, we assume that you consent to our use of cookies. More information can be found in our Cookies Policy and Privacy Policy.

Income multiples: 3.5 times principal income plus second or 2.75 times joint.

Arrangement fee: £299.

Redemption fee: Year one &#45 5 per cent of advance, year two &#45 5 per cent of advance, year three &#45 4 per cent of advance, year four &#45 4 per cent of advance, year five &#45 3 per cent of advance.

Recommended

Ten years ago, the unit trust industry stood poised to rule UK financial services.Its product was relatively cheap, flexible and simple and its main rival – the life industry – was being pummelled by regulators and the media.To have won the day, unit trust companies needed only to compete hard and put the consumer interest […]

What mortgage-related software do you use to help you advise your clients?A gentleman doing some research on our usage of a well-known software package recently put this question to me. My answer was “none”. This is because we simply do not get involved in advising clients about their mortgages.We always recommend that they seek the […]

Scottish Life International is rolling out a third issue of its income & growth bonus bond offering investors the choice of capital growth or income.The bond offers annual income of up to 10.3 per cent gross or 2.25 per cent gross quarterly. The growth option pays 33.25 per cent gross after three years.The bond is […]

With less than 12 months for companies to designate their stakeholder provider, the far-reaching impact of stake-holder pensions on benefit design is now an issue many companies are dealing with and will result in increased corporate activity and hence demand for adviser time.There are a number of key questions facing companies: Am I exempt from […]

In this short video, Azhar Hussain, head of global high yield at Royal London Asset Management, explains how his team balance bottom-up with top-down research in constructing multi-asset credit portfolios. Watch the video in full The value of investments and the income from them is not guaranteed and may go down as well as up […]

Newsletter

Latest from Money Marketing

Ahead of his appearance at Money Marketing’s flagship conference, Money Marketing Interactive, this April, Helm Godfrey chairman Danby Bloch looks at getting graduates into advice and making adviser the ‘go-to gurus’ of finance What should we be doing to get more new advisers into the profession? There’s no quick fix, but there are lots of […]

The way centralised investment propositions run today is far from perfect. So where do we go from here? There should be a name for the rule of thumb that says, just as the retail financial services industry reaches some consensus that something should be done a certain way, it all starts falling apart. In fact, […]

A look at the important take-aways from the senior manager regime’s previous implementation for those beginning their own preparations The forthcoming extension of the Senior Managers & Certification Regime represents the next major regulatory change that gets to the heart of a firm’s culture, governance and operational considerations. SM&CR implementation will not be a one-time […]

21st January 20193:05 pm

Comments

Leave a comment

Why register with Money Marketing ?

Providing trusted insight for professional advisers. Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.